DSP Credit Risk Fund · Regular · Growth
NAV
₹54.9552
as of 31 Jul 2026
Expense Ratio
1.22%
AUM
₹250 Cr
Lumpsum returns (CAGR)
- 1Y
- +10.15%
- 3Y
- +15.98%
- 5Y
- +12.38%
- Since Inception
- +7.62%
SIP returns (XIRR)
- 1Y
- +13.12%
- 3Y
- +15.18%
- 5Y
- +14.07%
- Since Inception
- +8.26%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,99,171 today — ₹5,95,000 invested, 10.1% XIRR.
₹5,95,000
Invested
₹9,99,171
Value today
10.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,16,233 today (8.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,63,160.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,91,028 today (1.91×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised1.40
Sharpe Ratio
—
Alpha
—
Beta
5.98
Sortino
8.78%
Std Dev
-1.82%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 16.94% Goi 20369.30%
- 2Kotak Mahindra Bank Limited**8.73%
- 3Jtpm Metal Traders Limited**5.84%
- 4Aditya Birla Renewables Limited**5.82%
- 5Nuvoco Vistas Corporation Limited**5.75%
- 6Tata Housing Development Company Limited**5.64%
- 7National Bank For Agriculture And Rural Development5.61%
- 8Adani Airport Holdings Limited5.44%
- 9Nuvama Wealth Finance Limited**3.94%
- 10Piramal Finance Limited**3.86%
Investment Objective
DSP Credit Risk Fund · Regular · Growth by DSP Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
DSP Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by DSP Mutual Fund. The fund has been operational for over 23 years. It manages assets worth ₹250 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Credit Risk Debt B-II Index. The current expense ratio is 1.22%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations